Cryptocurrency is Taking the Financial World by Storm


Cryptocurrency is a digital currency that has gained popularity over the years. With this form of currency, the transaction is done over the internet without external interference. It eliminates most of the disadvantages associated with transferring currency from one person to another.

There are no intermediaries, and this means that there are no extra charges that are incurred in the process of transfer. If you are looking for an alternative form of currency that will give your protection from the government or even third parties, then cryptocurrency like bitcoin and ether is the way to go.

Why are people quickly switching to cryptocurrency?

Protection from fraud

Using cryptocurrency is the best way to avoid fraud whenbitcoin transferring money from one person to another. With this currency, you don’t have to worry about getting counterfeit money. You will also be safe from charge backs and reversal by the money sender. Once the currency is sent to your, then there is no way the money can be reversed back.

Protection from third parties

When doing the normal money to transfer for purchases, you have to involve third parties like banks and even lawyers. Involvement of these people only leads to additional fees to the initial cost.

However, with cryptocurrency, the transaction is free from third parties. All you have to do is to sign the contract that is available for the cryptocurrency. This makes the transfer as discrete as possible and avoids any interference from other interested parties.

Global Reach

Cryptocurrency is an international currency, and this means that it can be used and exchanged by people from all over the world. You don’t have to worry about exchange rates, interest rates, and transaction charges. The process is easy and straightforward because you are transferring money from one person to another without money and country barriers.

Safe and secure

The problem with traditional methods like credit cards is the bitcoinsecurity issue that people experience like identity theft. Once someone gets hold of your credit card, then they can use it and spend your money. On the other hand, bitcoin is safe from such problems and complication.

The process of transferring or paying is anonymous, and this means that your identity is protected. When transferring money or making payment, you don’t have to include your name and the process is even more secure and discrete.


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Why Outsource Bookkeeping Services?

outsourcing bookkeeping

Bookkeeping is vital in running any business. As such, most business owners understand the value of having accurate and up-to-date financial records. When it comes to matters bookkeeping, the most important thing is to know how to keep these records.

Most people going to business do that with their eyes set on core business operations and not bookkeeping. As a result, most of them are inclined to outsource bookkeeping functions as they focus on other core business functions. That said, here are some good reasons to hire a bookkeeper.



Some things in business are meant to be kept private. Business secrets and of course the financial records. As such, most business owners invest a considerable amount of time and resources finding someone they can trust. This is not always as easy as looking for someone with the best credentials. Instead of having a member of your community running handling this sensitive information, you might consider hiring a virtual bookkeeping company with solid client references.


Every business starts with small financial needs, which a business owner with basic financial skills might handle. Some grow and soon require a full suite of bookkeeping services. Business growth means growing the financial department accordingly. Outsourcing bookkeeping services is one way is a good way of scaling your financial needs without expanding your finance department.


Most business owners simply do not have the time to train or retrain an in-house bookkeeping staff. Having a professional bookkeeper with up-date information on modern accounting practices gives all the difference in the quality of bookkeeping services. Outsourcing accounting functions essentially means working with a team that knows what they are doing thus eliminating the need to spend resources of training employees.

Maximize Resources

outsourcing accountingAnother reason to outsource bookkeeping services is to maximize resources. Outsourcing accounting functions let you spend your time on what matters most. Outsourcing is a proven way of expending your energy and labor resource only on things that help you remain competitive. Besides this, having an in-house finance department can be costly for most business especially those that are just starting out.

Whether your business needs up-to-date figures to present to a financier or to share financial information with IRS, keeping your books updated is essential. The best way to go about this is to outsource bookkeeping to professional services. This way, you will be in better position to monitor your current position, and you can never be at loggerheads with state authorities.…

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Hiring the best Accounting Services for your Business

If you are dreaming of running a successful business, then you need to have professional accounting services. Remember that every dollar matters for the success of your business. This is something that can be taken care of by professionals. But the question is, how do you ensure that you get the right professional accountant service providers? Well, that is not a hard question to answer. All that you need is to do a bit research with the help of the internet, and you will be ready.

Factors to consider

The cost

The cost of the accountant is an important consideration that you need to make when you need quality accounting services. One of the major objectives of any business is to reduce business expenses. This, therefore, implies that you need to find an accounting firms Milton that will not ask you to pay them more than necessary for the same services. You should, however, remember that you get what you pay for.


Only Qualified accountants are capable of providing you with the quality services that you deserve. So it is upon you to do your research and ensure the company that you are considering to hire has qualified staff. Here, you need to make sure that the undergraduate degree as the minimum requirement for the accountant that you are considering to hire. In addition to that, it is good to make use of accountants who are attached to specific professional bodies.

Industry expertise

Apart from certifications, you also need to makes sure that you are familiar with the type of expertise offered by the company. A good accounting service provider company is the one that has mastered the industry by having offered different types of services to customers. It is also important that you choose a company that has been in the industry for a long time as it assures you of giving you the quality services that you seek. After all, the experience is the best teacher.

Size and complexity

When choosing accounting services for your business, you need to consider the size of the firm that you intend to hire. Big accounting services providers use their influence to ensure that they give you the quality services that you need. Also, remember that the complexity of your business will determine the kind of accountants that you will need to hire. For instances, if your business structure is complex, then you will need an accountant who is well experienced.…

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Ultimate Guide when Hiring an Accounting Service

accounting documents

Accounting is the recording, sorting, storing and an analysis of financial records. Accounting is divided into several groups which include; Auditing, Bookkeeping, Taxation, Managerial Accounting, Financial accounting and many more. The several branches all in all tell that every accounting has got its own an area or two of specialty. Click on the highlighted link for the popular business accounting service.

In any business, whether a small-scale or large-scale, it is essential that proper and efficient accounting is done and hence the businesses accounts are in good order. Financial skills are necessary for ensuring that a business is run smoothly and everything goes as planned. The ultimate guide when hiring an accountant service include:

Area of specialization


As I have earlier said, Accounting is the main branch compromising of other several subbranches. Bookkeeping and Taxation are amongst the branches. Every Accounting firm offering Accounting services at least specialize in one or two areas. Depending on the nature of your business, select the best accounting service. For instance, a person intends to start a business in an area can hire an accounting service advice on the future financial planning of a business and also help the business meets its required target potential.Bookkeeping accounting services are needed where the owner needs order in storage and figures.

Cost of hiring

Having many firms offering different accounting services implies they also offer the services at different prices. Check out for the business cost and intended revenue after deductions then make a clear decision. However, quality comes at a price. If a business budget can allow, then it is crucial to go an extra mile and dig deeper into your pockets to obtain the best service.

Reference from people

We all have got family, friends or even working colleagues who at one time or the other could have sought the Accounting services. Nothing is soothing and pleasing the heart like knowing that as a businessman, you will accomplish your tasks to the fullest with getting a specific Accounting service. From the references, you will be able to get the available Accounting service.


With the fast rise of technological improvement, almost everything in a few years will be done using our computers. Business expects that it has to grow over time. An Accounting firm offering service using software should be best considered.

Years of practice


Experience is the best teacher as it is commonly said. The best Accounting service is that that has got prior experience working in the same business line.


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How to choose a financial cooperative


Financial cooperatives have increasingly become popular and most recommended by most people more so those who run small businesses. These cooperatives are known for their continued support for families, businesses and individuals to be able to get financially independent through the services that they offer solutions to business problems or guidance of related financial issues. On the other hand, other commercial cooperatives like Bank and Federal Credit Union try to strengthen the rural communities and low-income earners by enabling them to access affordable and fair credit. Similarly, the cooperatives help in promoting employment opportunities by lending small businesses. However determining a financial cooperative to work with can be tricky because the many cooperatives have become established. But worry not because this article gives you a guide on how you can choose a financial cooperative to work with.

Ask for referrals

One of the fastest ways to which you can determine the best cooperative to engage in your business errands is oiuiuihknthrough consulting friends, relatives and colleagues to recommend some of the financial cooperatives that they may have worked with. You should ask for the quality of services the referees got from the cooperatives, and then you should check whether the cooperative will be in a position to suit your financial needs. Never select an institution that will not help you in creating your financial independence.

Check the interest rates

Financial cooperatives lend small businesses and individual with money to establish and boost businesses. Before you decide to ask for money from a particular cooperative, you should check the interest rates that will be used when you start repaying the money. Get two to three cooperatives then you can compare the interest rates and choose one that will favor you.

Licensing and certification

hgftrfghgThis is the most significant feature that you should consider before deciding to select a given cooperative to invest in or to borrow money from. At times people have become victims of circumstances by investing in cooperatives which are not licensed but later lose all their investments because such organizations are not genuine. Therefore ensure you ask for certification and licensing documents that indicate the relevant bodies duly registered the cooperative.

Check for reviews

You can determine whether the financial cooperative you are almost working with has a good reputation. The excellent reputation can be in the customer service or the quality of services that the cooperative gives to its clients. A sound financial cooperative should have a significant number of reviews which can be extracted from the internet.


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How to apply for a guarantor loan

Lenders are so much interested in one’s credit score when applying for a loan. So does it mean that if you have a poor credit score, you cannot get a loan? Chances of not getting one are high, but you can try your luck in what is called a guarantor loan. Below are tips on how to get a guarantor loan.

Applying for a guarantor loan

Find a guarantor

A guarantor acts as extra security for the bank since your credit score is poor, the bank will trust you again because of the guarantor you have. In this case, you must make sure that the person you use has a high credit score. If the primary borrower who is you fails to pay the agreed amount, the bank will look out for the used guarantor for payments.

Make payments on time

As said earlier, a guarantor does not give you a hundred percent assurance that you will get the loan. The bank will check your credit ratings to see if you can make the payments within the agreed time. For the bank to give you the loan, the amount you are borrowing must fall within 1/10th of your monthly income or salary.

Be aware of the risks

A guarantor can be anyone from your workmates to friends or a family member. What you are asked for is to let them know the risks involved with them acting as your guarantor.

Apply directly

Did you know there are loan brokers? If you apply through them, you will have to pay them for the service. To reduce extra charges, take yourself to the lender and apply for the loan directly from them.

Choose the lender carefully

It goes without saying that you must be careful who you choose as your lender. Ask for quotes from several lenders for comparison. With the quotes, you will be able to choose the best lender. A good lender must have pocket-friendly interest rates and a reasonable pay back period.

Understand the consequences

What happens if you do not pay the loan? Your credit score will be affected. You might not be the one to pay the whole amount because the guarantor will, but you will harm your credit score more. It will be harder for you to get another loan in future because the bank will not trust you again and you will not get a good guarantor.





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Baja Arizona – Welcome


Baja Arizona Sustainable Agriculture, (Baja AZ), is a 501c3 non-profit organization working to increase local sustainable food production and marketing in southern Arizona. Sustainable agriculture is good for the earth, good for people and good for communities.

Radishes Buy locally grown! It’s thousands of miles fresher. Buying from local farms and ranches retains people with food-raising expertise on agricultural land. This also ensures that future generations will enjoy seeing open fields and grazing lands with lots of wildlife.

Eating foods raised without chemical additives, long distance transportation and long term storage is healthier for people and the environment. Eating more foods produced near your home offers an adventure in flavor and connects you to the landscape.

Row cover About our name: We chose to use a Spanish word “baja” which means lower as this part of the state, south of the Gila River, or “Baja Arizona” is a historic area that has many ties to northern Mexico. Our vision is a region on both sides of the border that can once again feed itself.

There’s plenty of sunshine in southern Arizona so many crops can be raised through the winter and in spring and fall, even at higher elevations, with row cover, cold frames and greenhouses.

Sustainable agriculture is resource saving. Baja AZ promotes improving the soil with organic methods and raising animals naturally on the land. Water is precious in arid lands. To be sustainable in the desert, food must be raised in a water-frugal way using rain water harvesting, drip irrigation and mulches. Baja AZ encourages a return to eating desert heritage foods and drought tolerant varieties developed by the peoples that lived in this region before us.



On a 100 mile diet and need help finding local food? Go to the Find Local Food Page to find local farmers and ranchers, farmers markets, CSAs, stores and restaurants that sell locally produced food.

Cholla bud hors d’oeuvres Find out how to harvest desert foods by taking a workshop with ethnobotanist Martha Burgess. See dates on the Calendar for scheduled cholla bud, mesquite, prickly pear and acorn workshops in Tucson and Sierra Vista.

Schedule a presentation for your school or organization on “The Joys of Coming Home to Eat” with a virtual tour of local farms and ranches or “Pasture Perfect: Raising Animals on Grass (the way they were meant to be raised)” and “Sustainable Ranching or Anticipating the Moisture” presentations by Baja AZ’s professional grass-fed ranchers.

Solar panels & cattle



Deep in the heart of Cochise County at 5,500 feet in the Mule Mountains, cattle on the historic 47 Ranch can now get a drink round the clock at Abbot Canyon. During the day solar panels provide power to pump water from the well. The windmill takes over at night when the breezes pick up. Rancher owner Dennis Moroney has worked with Arizona Game and Fish to distribute water throughout the ranch through the use of solar powered pumps. Formerly water was only available where the cows were, no place else, and pumped by moving a generator around.

Wildlife has also benefited with a greatly increased population of white tail deer for hunting. The ranch has a safe harbor cooperative agreement to ensure the survival of the Chiricahua Leopard frog which only survives in ranch stock tanks. Care is taken to stagger stock pond clean up and to relocate frogs that are dislodged.

250 artificial owl burrows will be constructed on the 47 Ranch which is a recipient site for the relocation of burrowing owls from areas near cities where expanding development has taken their habitat.

Baja Arizona Sustainable Agriculture, (520) 378-2973
5279 S. Calle Metate, Sierra Vista, AZ 85650

Home . Contact . Calendar . Programs . Find Local Food
Community . Support Us . Growing Minds…

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